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    <meta name="description" content="贷款利率解释利息人民币业务的利率换算公式为 1234567日利率（0&#x2F;000）&#x3D; 年利率（%）÷360日利率（0&#x2F;000）&#x3D; 月利率（%）÷30利息 &#x3D; 金额 * 年利率 * 贷款周期（存款周期）假如贷款30万元，年利率为2.98% 贷款3年。利息为300000 * 2.98% * 3 &#x3D; 26820    等额本息和等额本金等额本金 1等额本金就是指是指每月的还款额不同，它是将贷款额按还款的总月">
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            <h1 id="seo-header">贷款利率</h1>
            
            
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                <h1 id="贷款利率解释"><a href="#贷款利率解释" class="headerlink" title="贷款利率解释"></a>贷款利率解释</h1><h3 id="利息"><a href="#利息" class="headerlink" title="利息"></a>利息</h3><p>人民币业务的利率换算公式为</p>
<figure class="highlight abnf"><table><tr><td class="gutter"><pre><span class="line">1</span><br><span class="line">2</span><br><span class="line">3</span><br><span class="line">4</span><br><span class="line">5</span><br><span class="line">6</span><br><span class="line">7</span><br></pre></td><td class="code"><pre><code class="hljs abnf">日利率（<span class="hljs-number">0</span>/<span class="hljs-number">000</span>）<span class="hljs-operator">=</span> 年利率（%）÷<span class="hljs-number">360</span><br>日利率（<span class="hljs-number">0</span>/<span class="hljs-number">000</span>）<span class="hljs-operator">=</span> 月利率（%）÷<span class="hljs-number">30</span><br><br>利息 <span class="hljs-operator">=</span> 金额 * 年利率 * 贷款周期（存款周期）<br><br>假如贷款<span class="hljs-number">30</span>万元，年利率为<span class="hljs-number">2.98</span>% 贷款<span class="hljs-number">3</span>年。利息为<br><span class="hljs-number">300000</span> * <span class="hljs-number">2.98</span>% * <span class="hljs-number">3</span> <span class="hljs-operator">=</span> <span class="hljs-number">26820</span><br></code></pre></td></tr></table></figure>



<h3 id="等额本息和等额本金"><a href="#等额本息和等额本金" class="headerlink" title="等额本息和等额本金"></a>等额本息和等额本金</h3><p>等额本金</p>
<figure class="highlight gcode"><table><tr><td class="gutter"><pre><span class="line">1</span><br></pre></td><td class="code"><pre><code class="hljs gcode">等额本金就是指是指每月的还款额不同，它是将贷款额按还款的总月数均分<span class="hljs-comment">(等额本金)</span>，再加上上期剩余本金的月利息，形成一个月还款额，所以等额本金法第一个月的还款额最多，尔后逐月减少，越还越少。<br></code></pre></td></tr></table></figure>

<p>等额本息</p>
<figure class="highlight"><table><tr><td class="gutter"><pre><span class="line">1</span><br></pre></td><td class="code"><pre><code class="hljs">等额本息就是指是指每月的还款额相同，在月供中“本金与利息”的分配比例中，前半段时期所还的利息比例大、本金比例小，还款期限过半后逐步转为本金比例大、利息比例小。<br></code></pre></td></tr></table></figure>



<p><strong>等额本息比等额本金多多少利息?</strong></p>
<figure class="highlight erlang-repl"><table><tr><td class="gutter"><pre><span class="line">1</span><br><span class="line">2</span><br><span class="line">3</span><br><span class="line">4</span><br><span class="line">5</span><br><span class="line">6</span><br><span class="line">7</span><br></pre></td><td class="code"><pre><code class="hljs erlang-repl">假设一人贷款买一套<span class="hljs-number">80</span>平米的房子，按市场均价<span class="hljs-number">4</span>万元/平米，首付三成算，总价<span class="hljs-number">320</span>万的房子，需要首付<span class="hljs-number">96</span>万，剩下的<span class="hljs-number">224</span>万，该人选择商业贷款，按目前基准利率，选择还款<span class="hljs-number">20</span>年的话。<br><br>使用等额本息还款方式，需共计还款<span class="hljs-number">352</span>万，其中利息<span class="hljs-number">127.8</span>万;<br><br>而使用等额本金还款方式的话，需还款<span class="hljs-number">334</span>万，其中利息<span class="hljs-number">110.2</span>万。<br><br>仅利息竟然能差出<span class="hljs-number">17</span>万!<br></code></pre></td></tr></table></figure>



<p><strong>等额本金可以省那么多利息为什么还是说等额本息划算?</strong></p>
<figure class="highlight"><table><tr><td class="gutter"><pre><span class="line">1</span><br><span class="line">2</span><br><span class="line">3</span><br><span class="line">4</span><br><span class="line">5</span><br><span class="line">6</span><br><span class="line">7</span><br><span class="line">8</span><br><span class="line">9</span><br><span class="line">10</span><br><span class="line">11</span><br><span class="line">12</span><br><span class="line">13</span><br><span class="line">14</span><br><span class="line">15</span><br><span class="line">16</span><br><span class="line">17</span><br></pre></td><td class="code"><pre><code class="hljs">在探讨这个问题前，我们先来想像一种情景。 <br><br>假设一人2015年用商业贷款买了这套总价320万的房子，选了期限为20年的等额本息还款方式，那么第10年的时候，每月还款14660元和现在每月还款14660元一样么?<br><br>有人会说，当然一样啦，毕竟还款金额没变。但事实上，经济发展不是在温室里运行，10年前的1万块和现在的1万块，其购买力可以说天壤之别，更别提政府“货币一揽子计划”出台后，人民币贬值已经走上了不归路。也就是说，我们的“钱”越来越“不值钱”了。<br><br>也就是说，如果选择等额本息还款方式，就可以巧妙利用这种贬值，而省下部分购买力。因为虽然还款金额没变，但是十年后购买同样的东西，需要的人民币变多了，而房贷还款却并没变，也就相当于变相的节省了一部分货币。但如果选择的是等额本金还款方式的话，相当于前期承担了大部分的还款压力，即便后期货币贬值，但由于还款金额也变少了，所以可以享受到的贬值福利，几乎可以忽略不计。<br><br>所以说，虽然从长远来看，从绝对还款金额来看，等额本金比等额本息所还利息较少。但是如果不考虑提前还款的话，综合人民币贬值因素，选择等额本金比等额本息其实并不会划算多少。<br><br>当然这种划算也不是对每个人都一样的。<br><br>也有人觉得这种说法不对，比如说准备提前还款的朋友，计算公式就得整个改写了。<br><br>一般情况下，我们认为，等额本息还款额每月相同，适宜家庭的开支计划，特别是年轻人，可以采用等额本息法，因为随着年龄增大或职位升迁，收入会增加。但是对于年龄比较大的人，很有可能未来的还款能力会减弱，比如退休或者其他情况导致的收入减少。<br><br>所以，如果你目前财务状况尚佳，多还些房贷也没关系，毕竟可以省利息嘛。或者你觉得未来不想有更重的负担，不如选择等额本金，那样可能对你来说更为划算。<br></code></pre></td></tr></table></figure>


                
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